MCC 5541 · Service Stations · Fuel
For MCC 5541 (Service Stations) in Singapore, the UOB Lady's Card earns the most miles at 4 mpd (cap: Bonus UNI$1,800 per calendar month (= S$1,000 spend)), and the OCBC 365 Credit Card gives the highest cashback at 6% (cap: Overall cashback cap S$80/month (S$800 spend) or S$160/month (S$1,600 spend)).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-10-01. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.UOB Lady's Card
Chosen bonus category: Transport
Select 1 of 7 categories via uob.com.sg/ladys-enrol; changes take effect next calendar quarter. 4 mpd = base UNI$1 + bonus 9X UNI$ per S$5. Issuer description: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-09-24 · Issuer terms ·
2.UOB Lady's Solitaire Card
Chosen bonus category: Transport
Select up to 2 of 7 categories via uob.com.sg/ladys-enrol; changes take effect next calendar quarter. 4 mpd = base UNI$1 + bonus 9X UNI$ per S$5. Issuer description: Local commuter transport, taxis/limousines, transport services, service stations & automated fuel dispensers.
Terms checked 2026-10-01 · Issuer terms ·
4.DBS Altitude Card (Visa Signature / American Express)
Base rate (no bonus for this MCC)
Terms checked 2026-09-24 · Issuer terms ·
5.OCBC 90°N Card (Visa / Mastercard)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
6.American Express Singapore Airlines KrisFlyer Ascend Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
11.UOB Preferred Visa Card (formerly UOB Preferred Platinum Visa)
Base rate (no bonus for this MCC)
Terms checked 2026-10-01 · Issuer terms ·
1.OCBC 365 Credit Card
Petrol
Over-the-counter petrol in SG and overseas. Excludes fleet card top-ups (e.g. Abecha Esso Fleet Card, Speedpass).
Terms checked 2026-10-01 · Issuer terms ·
For MCC 5541 (Service Stations) in Singapore, the UOB Lady's Card earns the most miles at 4 mpd (cap: Bonus UNI$1,800 per calendar month (= S$1,000 spend)), and the OCBC 365 Credit Card gives the highest cashback at 6% (cap: Overall cashback cap S$80/month (S$800 spend) or S$160/month (S$1,600 spend)).
MCC 5541 is the merchant category code for Service Stations (Fuel). MCC 5541 covers service stations, including fuel purchases made inside the station and, in some cases, related services such as car washes or minor repairs. It is often confused with 5542 (automated fuel dispensers), which is used for pay-at-the-pump transactions. Purchases at an attached convenience store may also be coded 5541 or 5499 depending on the setup.
Merchants in Singapore seen with MCC 5541 include SPC, Shell, Sinopec, Shell Recharge, GetGo. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.